Best SIP Plans to Invest in India in 2025

Systematic Investment Plans (SIPs) have become a popular investment method for individuals looking to build wealth over time while managing risk. Through SIPs, investors can make regular, fixed investments in mutual funds, making it a disciplined approach to investing. This gradual investment method allows for cost averaging, helping investors mitigate the impact of market volatility. Choosing the best mutual funds for SIP depends on factors like risk tolerance, investment horizon, and financial goals.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹9,928

NAV

₹118.39

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 27.23 22.19 18.4 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,248

NAV

₹71.49

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.23 17.63 15.14 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,675

NAV

₹74.61

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.82 17.74 14.98 %

View Fund
Instant tax receipt
AUM (Cr)

₹37,289

NAV

₹78.97

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 25.19 15.94 14.81 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,652

NAV

₹83.8

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.63 13.87 14.76 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,581

NAV

₹42.58

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.81 14.5 14.4 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,348

NAV

₹70.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.87 16.06 14.22 %

View Fund
Instant tax receipt
AUM (Cr)

₹440

NAV

₹69.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.64 14.81 13.99 %

View Fund
Instant tax receipt
AUM (Cr)

₹7,189

NAV

₹157.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.41 14.61 13.53 %

View Fund
Instant tax receipt
AUM (Cr)

₹236

NAV

₹50.49

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.1 16.12 13.52 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,248

NAV

₹71.49

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.23 17.63 15.14 %

View Fund
AUM (Cr)

₹2,675

NAV

₹74.61

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.82 17.74 14.98 %

View Fund
AUM (Cr)

₹3,581

NAV

₹42.58

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.81 14.5 14.4 %

View Fund
AUM (Cr)

₹4,348

NAV

₹70.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.87 16.06 14.22 %

View Fund
AUM (Cr)

₹440

NAV

₹69.77

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.64 14.81 13.99 %

View Fund
AUM (Cr)

₹7,189

NAV

₹157.26

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.41 14.61 13.53 %

View Fund
AUM (Cr)

₹236

NAV

₹50.49

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.1 16.12 13.52 %

View Fund
AUM (Cr)

₹101

NAV

₹58.45

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.92 16.33 13.49 %

View Fund
AUM (Cr)

₹2,883

NAV

₹70.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.18 14.29 13.24 %

View Fund
AUM (Cr)

₹13,357

NAV

₹84.4

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.22 14.26 12.91 %

View Fund
AUM (Cr)

₹9,928

NAV

₹118.39

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 27.23 22.19 18.4 %

View Fund
AUM (Cr)

₹37,289

NAV

₹78.97

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 25.19 15.94 14.81 %

View Fund
AUM (Cr)

₹5,652

NAV

₹83.8

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.63 13.87 14.76 %

View Fund
AUM (Cr)

₹2,323

NAV

₹181.72

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.96 22.84 17.46 %

View Fund
AUM (Cr)

₹986

NAV

₹75.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.07 15.89 14.6 %

View Fund
AUM (Cr)

₹13,638

NAV

₹70.33

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.64 14.56 13.08 %

View Fund
AUM (Cr)

₹155

NAV

₹60.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.04 14.48 12.61 %

View Fund
AUM (Cr)

₹1,183

NAV

₹54.8

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.89 14.04 12.37 %

View Fund
AUM (Cr)

₹539

NAV

₹59.2

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.96 13.09 11.66 %

View Fund
AUM (Cr)

₹222

NAV

₹94.47

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.45 8.64 8.57 %

View Fund
AUM (Cr)

₹866

NAV

₹40.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.18 8.02 7.93 %

View Fund
AUM (Cr)

₹501

NAV

₹38.22

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.05 8.02 7.72 %

View Fund
AUM (Cr)

₹136

NAV

₹34.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.69 7.58 7.54 %

View Fund
AUM (Cr)

₹210

NAV

₹47.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.19 7.51 7.42 %

View Fund
AUM (Cr)

₹75

NAV

₹40.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.54 7.35 7.36 %

View Fund
AUM (Cr)

₹96

NAV

₹38.64

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.65 7.51 7.3 %

View Fund
AUM (Cr)

₹8,009

NAV

₹32.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.3 7.16 7.27 %

View Fund
AUM (Cr)

₹139

NAV

₹29.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.05 7.07 7.25 %

View Fund
AUM (Cr)

₹19,982

NAV

₹49.51

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.72 7.34 7.23 %

View Fund
AUM (Cr)

₹878

NAV

₹100.36

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.73 17.14 15.41 %

View Fund
AUM (Cr)

₹369

NAV

₹48.52

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.96 11.76 10.75 %

View Fund
AUM (Cr)

₹501

NAV

₹104.04

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.54 10.66 10.06 %

View Fund
AUM (Cr)

₹5,893

NAV

₹40.44

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.28 10.78 10.06 %

View Fund
AUM (Cr)

₹65

NAV

₹60.39

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.92 10.24 10.01 %

View Fund
AUM (Cr)

₹858

NAV

₹39.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.11 10.73 9.89 %

View Fund
AUM (Cr)

₹7,999

NAV

₹111.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.61 10.89 9.86 %

View Fund
AUM (Cr)

₹295

NAV

₹31.84

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.93 10.15 9.8 %

View Fund
AUM (Cr)

₹19

NAV

₹34.24

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.52 10.51 9.59 %

View Fund
AUM (Cr)

₹2,021

NAV

₹43.78

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.19 10.14 9.58 %

View Fund
AUM (Cr)

₹7,189

NAV

₹157.54

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.26 14.49 13.48 %

View Fund
AUM (Cr)

₹1,296

NAV

₹79.59

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.79 13.91 13.37 %

View Fund
AUM (Cr)

₹2,883

NAV

₹71.2

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.22 14.39 13.21 %

View Fund
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Top Performing SIP Funds for 2025

In 2025, the best SIP plans in India offer a great scope of returns, low expense ratios, and consistent performance. There is a wide range of SIP plans available today. Let us take a look at the list of best SIP fund to invest in 2025 in India:

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Max Life
Rating
 27.23% 22.19%
18.4%
View Plan
Top 200 Fund Tata AIA
Rating
 30.96% 22.84%
17.46%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
 23.63% 13.87%
14.76%
View Plan
Opportunities Fund HDFC Standard
Rating
 25.19% 15.94%
14.81%
View Plan
Equity II Fund Canara HSBC Oriental Bank
Rating
 19.43% 11.22%
10.39%
View Plan
Growth Opportunities Plus Fund Bharti AXA
Rating
 23.07% 15.89%
14.6%
View Plan
Multiplier Birla Sun Life
Rating
 26.07% 15.44%
15.6%
View Plan
Pension Opportunities Fund ICICI Prudential
Rating
 23.04% 14.48%
12.61%
View Plan
Flexi Growth Fund LIC
Rating
 - -
-
View Plan
Virtue II PNB Metlife
Rating
 24.23% 17.63%
15.14%
View Plan
Fund rating powered by
Last updated: Jun 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: May 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Details of Mutual Fund Schemes for Best SIP Plans

Key details for selecting the best SIP plans based on 5 years annualised returns are as follows:

  1. Quant Small Cap Fund - Direct Plan - Growth

    Quant Small Cap Fund scheme seeks to generate capital appreciation by investing in a well-diversified portfolio of small cap companies.

    Fund Name Quant Small Cap Fund - Direct Plan - Growth
    NAV
    284.0093 0.21%▲
    (as on 3rd July, 2025)
    AUM ₹ 28205.21 Crs
    1 Year returns -2.67%
    Returns since inception 18.49%
    Expense ratio 0.66%
    Exit load 1.00%
    Lock-in  NA
    Age  12 yrs 2 m
    Benchmark  NIFTY Smallcap 250 TRI
    Min. Investment  SIP ₹1000 & Lump. ₹5000
    Category  Equity
    Risk  Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  2. ICICI Prudential Infrastructure Fund - Growth

    ICICI Prudential Infrastructure Fund scheme seeks to generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure theme. This means it invests in companies involved in sectors like construction, energy, and transportation.

    Fund Name ICICI Prudential Infrastructure Fund - Growth
    NAV
    198.97 -0.08%▼
    (as on 3rd July, 2025)
    AUM ₹7920.29 Crs
    1 Year returns 3.53%
    Returns since inception 16.26%
    Expense ratio 1.85%
    Exit load 1.00%
    Lock-in NA
    Age 12 yrs 2 m
    Benchmark BSE India Infrastructure TRI
    Min. Investment SIP ₹500 & Lump. ₹5000
    Category Equity
    Risk Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  3. Bandhan Infrastructure Fund - Regular Plan - Growth

    Bandhan Infrastructure Fund aims to provide long term capital appreciation by investing predominantly in equity and equity related instruments of companies in the infrastructure sector.

    Fund Name Bandhan Infrastructure Fund - Regular Plan - Growth
    NAV
    51.592 -0.17%▼
    (as on 3rd July, 2025)
    AUM ₹ 1700.65 Crs
    1 Year returns -7.43%
    Returns since inception 12.13%
    Expense ratio 2.1%
    Exit load 2.1%
    Lock-in NA
    Age 12 yrs 2 m
    Benchmark BSE India Infrastructure TRI
    Min. Investment SIP ₹500 & Lump. ₹1000
    Category Equity
    Risk Very High Risk
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  4. Aditya Birla Sun Life PSU Equity Fund - Regular Plan - Growth

    Aditya Birla Sun Life PSU Equity fund aims to achieve long term capital growth by investing predominantly in equity and equity related securities of Public Sector Undertakings (PSUs).

    Fund Name Aditya Birla Sun Life PSU Equity Fund - Regular Plan - Growth
    NAV
    33.42 -0.03%▼
    (as on 3rd July, 2025)
    AUM ₹5581.82 Crs
    1 Years Returns -6.23%
    Returns since inception 24.48%
    Expense ratio 0.54%
    Exit load 1.79%
    Lock-in NA
    Age 5 yrs 3 m
    Benchmark BSE PSU TRI
    Min. Investment SIP ₹500 & Lump. ₹1000
    Category Equity
    Risk Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  5. Motilal Oswal Midcap Fund - Growth

    Motilal Oswal Midcap Fund aims to achieve capital appreciation by investing primarily in maximum 30 mid-cap companies. Therefore the investment objective is to generate capital appreciation through investing in mid-sized company stocks.

    Fund Name Motilal Oswal Midcap Fund - Growth
    NAV
    104.9397 -0.21%▼
    (as on 3rd July, 2025)
    AUM ₹30401.09 Crs
    1 Year Returns 8.97%
    Returns since inception 22.99%
    Expense ratio 1.58%
    Exit load 1.0%
    Lock-in NA
    Age 11 yrs 1 m
    Benchmark NIFTY Midcap 150 TRI
    Min. Investment SIP ₹500 & Lump. ₹1000
    Category Equity
    Risk Very High Risk
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  6. HDFC Infrastructure Fund - Growth

    HDFC Infrastructure Fund primarily invests in companies tied to infrastructure growth, seeking to capitalize on their potential. While the main focus is infrastructure, up to 35% of the fund can be invested in other companies across all market sizes.

    Fund Name HDFC Infrastructure Fund - Growth
    NAV
    48.184 -0.16%▼
    (as on 3rd July, 2025)
    AUM ₹2539.58 Crs
    1 Year Returns -1.76%
    Returns since inception 9.5%
    Expense ratio 1.98%
    Exit load 1.0%
    Lock-in NA
    Age 12 yrs 2 m
    Benchmark BSE India Infrastructure TRI
    Min. Investment SIP ₹500 & Lump. ₹1000
    Category Equity
    Risk Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  7. Franklin India Opportunities Fund - Growth

    Franklin India Opportunities fund seeks to maximize investor returns by capitalizing on the expanding Indian economy. It will invest in a wide variety of companies, regardless of size or specific characteristics, to capture diverse growth opportunities.

    Fund Name Franklin India Opportunities Fund - Growth
    NAV
    252.8919 0.28%▲
    (as on 3rd July, 2025)
    AUM ₹6863.66 cr
    1 Year returns 2.89%
    Returns since inception 13.57%
    Expense ratio 13.57%
    Exit load 1.0%
    Lock-in NA
    Age 12 yrs 2 m
    Benchmark NIFTY 500 TRI
    Min. Investment SIP ₹500 & Lump. ₹5000
    Category Equity
    Risk Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  8. ICICI Prudential BHARAT 22 FOF - Direct Plan - Growth

    ICICI Prudential BHARAT 22 FOF Scheme is a Fund of Funds (FOF) scheme. Its objective is to generate returns by investing in the units of the Bharat 22 ETF. So its objective is to generate capital appreciation by investing in the Bharat 22 ETF, which in turn invests in the stocks of the Bharat 22 index.

    Fund Name ICICI Prudential BHARAT 22 FOF - Direct Plan - Growth
    NAV
    32.2011 -0.16%▼
    (as on 3rd July, 2025)
    AUM ₹2358.49 Cr
    1 Year Returns -2.32%
    Returns since inception 18.14%
    Expense ratio 0.12%
    Exit load 0%
    Lock-in NA
    Age 6 yrs 8 m
    Benchmark BSE Bharat 22 TRI
    Min. Investment SIP ₹1000 & Lump. ₹1000
    Category Equity
    Risk Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  9. SBI PSU Fund - Regular Plan - Growth

    SBI PSU Fund aims to provide investors with opportunities for long-term growth by investing predominantly in equity and equity-related instruments of Public Sector Undertakings (PSUs) and in debt, money market instruments issued by PSUs and others.

    Fund Name SBI PSU Fund - Regular Plan - Growth
    NAV
    32.3872 -0.04%▼
    (as on 3rd July, 2025)
    AUM ₹ 5258.68 cr
    1 Years Returns -2.19%
    Returns since inception 8.11%
    Expense ratio 1.86%
    Exit load 0.5%
    Lock-in NA
    Age 12 yrs 2 m
    Benchmark BSE PSU TRI
    Min. Investment SIP ₹500 & Lump. ₹5000
    Category Equity
    Risk Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

  10. HDFC Focused 30 Fund - Growth

    HDFC Focused 30 Fund’s objective is to generate capital appreciation by investing in a focused portfolio of equity and equity-related instruments of up to 30 companies.

    Fund Name HDFC Focused 30 Fund - Growth
    NAV
    230.137 -0.3%▼
    (as on 3rd July, 2025)
    AUM ₹ 19577.58 Crs
    1 Year returns 9.21%
    Returns since inception 16.27%
    Expense ratio 1.66%
    Exit load 1.0%
    Lock-in NA
    Age 12 yrs 2 m
    Benchmark NIFTY 500 TRI
    Min. Investment SIP ₹500 & Lump. ₹1000
    Category Equity
    Risk Very High
    Short-term capital gains (STCG) Returns taxed at 20% if you redeem before 1 year
    Long-term capital gains (LTCG) After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year

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Choose the Best SIP Plans

5 YEARS SIP Plans
Returns upto 19%
7 YEARS SIP Plans
Returns upto 18%
10 YEARS SIP Plans
Returns upto 16%
12 YEARS SIP Plans
Returns upto 14%
15 YEARS SIP Plans
Returns upto 15%
20 YEARS SIP Plans
Returns upto 15%

Why Invest in Best SIP Plans 2025?

One of the key reasons why investors prefer the best SIP to invest in is the habit of disciplined savings through small and regular contributions. SIPs not only make investing accessible but also offer long-term wealth-building potential.

Investment of Small Amounts

With an investment amount as low as ₹100 or ₹500, the best mutual funds for SIP provide an easy entry point for all types of investors. This flexibility ensures that anyone can start their investment journey without financial strain, making the best SIP in India a popular choice.

Rupee Cost Averaging

Given the volatility of the equity market, rupee cost averaging helps investors buy more units when prices are low and fewer when prices are high. This strategy enhances returns over time, making the best SIP plan in India a smart choice for long-term wealth creation.

Option to Run Multiple SIPs

Rather than investing in just one or two funds, SIPs allow diversification across multiple assets. Choosing the best SIP plan in India wisely can help investors maximize returns while reducing risk.

Flexibility

One of the biggest advantages of the best SIP to invest in is flexibility—you can start, pause, or stop your SIP at your convenience. Even with a small investment, SIP mutual funds provide a structured way to grow wealth efficiently.

Potential for High Returns

Over time, the best SIP return comes from consistent investments in well-performing mutual funds. By staying invested, investors can benefit from compounding and long-term market growth. You can also check the returns on your SIP investments using an SIP calculator.

How to Choose the Best SIP Plan?

  • Define Your Financial Goals and Investment Horizon: Decide why you're investing, like for retirement planning, education, or wealth creation, and for how long. Match your SIP to your goal and timeline.

  • Assess Your Risk Tolerance: Know how much risk you can handle. Choose equity funds for high risk and long-term goals; opt for debt or balanced funds for lower risk.

  • Analyze the Fund's Historical Performance: Check how the fund has performed over 3-5 years. Consistent returns and strong performance during market dips are good signs.

  • Check the Fund's Expense Ratio: Lower expense ratios mean better cost efficiency. Choose funds that deliver solid returns with minimal charges.

  • Review the Fund Manager's and AMC's Reputation: A good fund manager and a trusted AMC add confidence to your investment. Look for experience and consistent fund management.

Conclusion

SIPs offer you the best investment plans for building a large corpus by making little-by-little investments over a long period. These plans can be bought and invested in anywhere and by anyone. The best SIP to invest in provides disciplined investing, diversification of risk portfolios, and rupee cost averaging benefits, making them highly effective. Choose the best SIP plan in India and make your choices intelligently.

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Frequently Asked Questions

  • Can you get a 20% return in SIP?

    Yes, you can get 20% return from investing in an SIP plan, but it is not guaranteed and depends on several factors:
    • Investment horizon
    • Risk tolerance
    • Fund selection
    • Market conditions

  • Should I invest in a lump sum or SIP?

    Whether to invest in a lump sum or through Systematic Investment Plan (SIP) depends on your financial goals, risk tolerance, and market conditions. It's often a good strategy to diversify your investments and consider a combination of lump sum and SIP based on your financial goals and market conditions.

  • What happens if we cancel a SIP?

    The consequences of cancelling a SIP are as follows:
    • No more automatic deductions from your bank account.
    • Existing investments remain invested and continue accruing returns.
    • No penalty for cancellation of mutual fund SIPs
    • Loss of benefits you were enjoying with the SIP in market-linked insurance plans
    • You stop benefiting from rupee-cost averaging and compounding in the long run

  • Can I withdraw SIP anytime?

    Yes, you can withdraw from your SIP plan anytime if the returns are not up to your expectations or if you are not able to fulfil your financial goals.

  • Is SIP tax-free?

    SIP investments made in ELSS schemes are eligible for tax deductions of up to Rs. 1.5 lakhs u/Section 80C of the IT Act, 1961. The SIP returns earned from investments made for more than 1 year are considered as Long Term Capitals Gain (LTCG), which is taxable per the government rules.

  • Does SIP Investment offer tax benefits in 2025?

    Not all SIP plans offer tax benefits. The investment made through SIP in an Equity Linked Savings Scheme (ELSS) is applicable for tax benefits under Section 80C of the Income Tax Act.

  • What are the maximum and minimum amounts that can be invested in SIP in 2025?

    You can start making an investment through an SIP plan with a minimum amount of Rs.100 or Rs. 500. However, there is no upper limit on the maximum investment in SIP.

  • How can I start SIP Investment in 2025?

    You can choose to start investing in an SIP investment plan through offline and online methods:
    For the online method:
    • Visit the official website of the asset management company (AMC).
    • Fill in all the details for online SIP.
    • Along with the details of KYC, the investors will require to submit a scanned copy of address proof, cheque, account number, and ID proof.
    For offline method:
    • Visit the branch office of the asset management company (AMC).
    • Fill out the auto-debit form and application form thoroughly.
    • Submit all the important documents such as address proof and ID proof along with the properly signed cheque to the address of the mutual fund.

  • Is SIP better than FD?

    SIP is one of the methods of investment in funds wherein you can deposit small amounts at regular intervals and receive decent returns. On the other hand, Fixed Deposits are an investment option where a certain amount is deposited for a fixed tenure, and the interest is received after maturity.
    Generally, the rate of interest received from SIP investments is higher than FD interest rates, but so is the risk involved. If you are willing to take a higher risk in return for better profits, you should opt for SIP. However, if you have zero risk-taking ability, FD is the right investment option.

  • Is SIP a risk?

    It is important to know that SIP is one of the methods of investment in funds and not an underlying investment option. The investment option chosen to invest in, the risk involved, and other factors related to the investment option define the risk involved in the SIP investment.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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